Frequently Asked Questions about No Medical Life Insurance (FAQ)

No medical life insurance can be an attractive option for some. Here are some frequently asked questions about this type of insurance.

July 6, 2021

No Medical Life Insurance is a type of life insurance where the premium is based on a person's medical history. This can be an attractive option for people with health issues because it means they can get coverage even if they have preexisting conditions. But how does No Medical Life Insurance work? Here are some frequently asked questions (FAQ) about No Medical Life Insurance.

Why does life insurance require a medical exam?

Doctor about to conduct a medical exam

Life insurance companies determine premiums based on life expectancy. The more they know about your health, the more accurately they can set your rates.

A medical test provides your insurance provider with the best insights into your overall health. It allows them to check for a wide range of illnesses. This, in turn, helps them understand your life expectancy and set your premium rates. They might suggest a critical illness insurance policy if you happen to have an illness that their critical illness insurance policies cover

If you are in above-average health, insurance providers will reward you with lower rates. However, if the test results don’t come out as expected, you may have to pay higher premiums.

Who should get no medical exam life insurance?

There are different types of no medical life insurance policies. Some are for people in good health. Others are for individuals who don’t qualify for traditional coverage.

The premium rates of no medical insurance policies can also vary wildly. Some cost just as much as fully-underwritten life policies. Others are significantly costlier because they are meant for people with underlying medical conditions.

So, whether a no medical life insurance policy is right for you depends entirely on your situation. Here are some situations in which you may want to consider a no-exam policy:

  • You have an underlying medical condition that disqualifies you from buying traditional coverage
  • You are in relatively good health.
  • You want to get life insurance quickly without medical exams.
Elderly Couple Pushing Bicycles

Sample application questions for no medical life insurance

You may have to answer questions similar to these on a no medical life insurance application:

  • Has your medication for hypertension or diabetes changed in the past 12 months?
  • Have you been treated for angina or heart attack in the past five years?  
  • Have you ever been diagnosed with cancer?
  • Has your driver’s license been revoked, suspended, or canceled in the last 24 months?
  • Have you received treatment for drug or alcohol abuse in the last three years?
  • Do you weigh more than the maximum weight listed for your height in the given table?
A girl is launching a paper airplane from a window at sunset.

Can I get temporary life insurance coverage with no medical exam?

Let’s say you realize a fully underwritten life policy fits your needs better. So you apply for one and complete the physical. But the approval can take up to four to six weeks, meaning you’ll be without coverage during this period. If you feel uneasy about that, opt for a no medical exam temporary insurance policy to fill in the gap.

It will ensure your family receives some benefit if you pass away while awaiting approval.  

Is there a funeral insurance coverage option?

Life insurance gets more expensive as you age. And once you are over age 50, the premium rates can increase up to 5-8% each year.

But if you are in good health and want to buy a smaller life insurance policy to cover funeral expenses, you should consider a no-med policy. The cost difference between a no medical life insurance policy and a traditional life policy for someone like you is not much. Also, most traditional insurers don’t offer coverage amounts less than $50,000.

So, taking a no medical exam policy to cover final expenses can be a good decision.


If you are looking for no medical life insurance, we hope this post has been helpful in your search. We have answered some frequently asked questions (FAQ) about no medical life insurance and provided a list of the best options available to Canadians. Would you like us to review any other products? Let us know!

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